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Life insurance underwritten by United of Omaha Life Insurance

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					Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Product Philosophy

 We’re a full service, multi-line organization.
     Mutual of Omaha Insurance Company (founded in 1909)
     Underwrites health and accident coverages, including Medicare
     supplement, long-term care, disability and critical illness insurance

     United of Omaha Life Insurance Company,
     A Mutual of Omaha affiliate company since 1926, underwrites
     individual life insurance, annuity products and other insurance,
     including Medicare supplement and long-term care

     Companion Life Insurance Company,
     A Mutual of Omaha affiliate company since 1949, underwrites
     individual life insurance and annuity products in the state of New York
Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Mutually Beneficial


 Community Commitments
  In 2011, we gave nearly $3 million in grants to charitable organizations and more
 than 1,400 employees volunteered in 33 communities across the country

 Stable and Secure
 Our financial strength has been acknowledged by multiple third-party rating
 agencies, which have evaluated us repeatedly over a number of years and
 assigned strong ratings.

 Now in our second century in business, we are committed to providing insurance
 and financial products that are designed to be a straightforward and affordable
 way to help customers through the transitions we all face.



Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
                                                                   Term Life
                                                                   Answers  R


                                                      “Setting the Standard”

Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Term Life Answers®
 Setting the Standard in Term


    Goal: Set the Standard for Term
                                                Ø  Top of the spreadsheets
                                                    in the Standard Risk
                                                    Class for face amounts
                                                    of $250,000 and above
                                                Ø  Issues age 40 – 60
                                                    across all products
Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Term Life Answers®
 Setting the Standard in Term


                                                  Ø  Competitive rates; ages 40 - 60
                                                  Ø  Liberal conversion opportunities
                                                  Ø  Built in Riders
                                                       –  Accelerated Benefit Rider
                                                       –  Waiver of Premium for Unemployment
                                                  Ø  Commissions on policy fees for
                                                      face amounts under $250,000.
                                                  Ø  Qualifies for the Fit
                                                      Underwriting Credit Program

Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Term Life Answers®
 Setting the Standard in Term


    A Perfect Combination…
                                                                                       ®
                            Term Life Answers
                                                                   &
                                                FIT Credits


Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Program Parameters

 Applies to all fully underwritten TERM & UNIVERSAL life products
 •  Ages 18-75
 •  Minimum Face Amount $250,000
 •  Maximum Face Amount $1,500,000
        •  GUL Survivor maximum face amount $3,000,000
 •  Non-Tobacco users
 •  Base rating after normal credits to table 4 or less
        •  Does not apply to “flat extra” ratings


Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Program Parameters

 How it works…
        •  Any three characteristics = 1 Table Credit
        •  Any five characteristics = 2 Table Credits

         Original Offer:                          •  Three Credits = STANDARD **SPECIAL OFFER**
            Table 2                               •  Five Credits = STANDARD

         Original Offer:                          •  Three Credits = Table 2
            Table 3                               •  Five Credits = Table 1

         Original Offer:                          •  Three Credits = Table 3
            Table 4                               •  Five Credits = Table 2

Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 FIT Lifestyle Characteristics

   Ø  Regular preventative medical care and compliant
       follow-up
   Ø  Minimal alcohol use. No more than 1 – 2 drinks
       per day (no history of substance abuse)
   Ø  Lifetime nonsmoker
   Ø  Income >$100,000, or net worth >$1,000,000, or a
       college degree
   Ø  Preferred or better driving record

Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 FIT Medical Characteristics

Ø  Great family history: No deaths from any disease prior
    to age 70
Ø  Cholesterol/HDL ratio <5.0
Ø  Negative cardiac testing
Ø  GXT exercise performance >10 METS
Ø  Optimal blood pressure control-treated or untreated of
    130/80 or better
Ø  Build: Preferred or better for issue ages 18 – 60 /
    Standard Plus or better build, ages 61 – 75

Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Fit Credit Program

    Consult the Fit. Flyer (LY27001)                                         Complete the Fit Test (L8191)




Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
                      Term Life Express
                           - TLE -


Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 TLE Portfolio

 TLE - 15/15

                                          TLE - 20/5
                                          TLE - 20/20
                                          TLE - 20/20 ROP

                                                                                   TLE - 30/5
                                                                                   TLE - 30/30
                                                                                   TLE - 30/30 ROP
Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Simplified Underwriting

                 Risk Classes: Standard Tobacco or
                         Standard Non-Tobacco
               Simplified Underwriting up to $400,000!
  $50,000 - $250,000
  •  Build Chart (very liberal)
  •  M.I.B report (Medical Information Bureau)
  •  Pharmaceutical Report
  •  Random phone interview
  Ages 61 - 65 require a mandatory phone interview.


  $250,001 - $400,000
  •  Same as above, plus:
  •  Mandatory phone interview
  •  Oral swab test
  Ages 61 - 65 require a mandatory APS & phone interview.
Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Simplified Application


 •  ‘Knock out’ application
             - Allows the producer to know if the prospect
      qualifies


 •  Only ‘7’ health underwriting questions

 •  Issue in under 5 days on clean apps.

Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Underwriting (Questions 1 – 2)




Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Underwriting (Questions 3 – 7)




Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 No Cost ‘Riders’ & ‘Provisions’

 •  Residential damage waiver of premium rider
              Waives premiums for six months if:
              Primary residence sustains $25,000 or more in damage

 •  Unemployment waiver of premium provision
              Waives premiums for six months if:
              The insured becomes unemployed

 •  Accelerated death benefit rider
              Accelerates 92% of the DB if:
              Insureds life expectancy is 24 months of less

 •  Common carrier death benefit provision
              Doubles the DB up to $250,000 if:
              Insured dies on a common carrier (plane, bus, train, etc)
Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Sales Support


              Sales Support: 1 (800) 693-6083
 •        Product questions
 •        Proposal software quotes
 •        Order marketing materials
 •        Sales Professional Access help
 •        Gateway to any department in the company
Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.
 Mutual of Omaha




                                            Questions?
Life insurance underwritten by United of Omaha Life Insurance Company. United is not
licensed in New York. In New York, life insurance is underwritten by Companion Life
Insurance Company, Hauppauge, NY 11788-2934.

				
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posted:11/3/2012
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